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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash-to-Debt 1.05
HFWA's Cash-to-Debt is ranked lower than
61% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.97 vs. HFWA: 1.05 )
Ranked among companies with meaningful Cash-to-Debt only.
HFWA' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.47  Med: 6.87 Max: No Debt
Current: 1.05
Equity-to-Asset 0.12
HFWA's Equity-to-Asset is ranked higher than
69% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. HFWA: 0.12 )
Ranked among companies with meaningful Equity-to-Asset only.
HFWA' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.13 Max: 0.23
Current: 0.12
0.09
0.23
Interest Coverage 8.78
HFWA's Interest Coverage is ranked higher than
89% of the 1758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. HFWA: 8.78 )
Ranked among companies with meaningful Interest Coverage only.
HFWA' s Interest Coverage Range Over the Past 10 Years
Min: 0.01  Med: 3.07 Max: 8.78
Current: 8.78
0.01
8.78
Beneish M-Score: -3.69
WACC vs ROIC
5.98%
9.98%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating Margin % 32.12
HFWA's Operating Margin % is ranked higher than
55% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.68 vs. HFWA: 32.12 )
Ranked among companies with meaningful Operating Margin % only.
HFWA' s Operating Margin % Range Over the Past 10 Years
Min: 0.15  Med: 24.12 Max: 35.61
Current: 32.12
0.15
35.61
Net Margin % 23.71
HFWA's Net Margin % is ranked higher than
56% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.91 vs. HFWA: 23.71 )
Ranked among companies with meaningful Net Margin % only.
HFWA' s Net Margin % Range Over the Past 10 Years
Min: 1.15  Med: 17.19 Max: 23.71
Current: 23.71
1.15
23.71
ROE % 8.45
HFWA's ROE % is ranked higher than
51% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. HFWA: 8.45 )
Ranked among companies with meaningful ROE % only.
HFWA' s ROE % Range Over the Past 10 Years
Min: -0.54  Med: 6.37 Max: 13.09
Current: 8.45
-0.54
13.09
ROA % 1.03
HFWA's ROA % is ranked higher than
64% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. HFWA: 1.03 )
Ranked among companies with meaningful ROA % only.
HFWA' s ROA % Range Over the Past 10 Years
Min: 0.06  Med: 0.9 Max: 1.23
Current: 1.03
0.06
1.23
3-Year Revenue Growth Rate 3.40
HFWA's 3-Year Revenue Growth Rate is ranked lower than
53% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. HFWA: 3.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
HFWA' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -12.7  Med: 4.1 Max: 28.2
Current: 3.4
-12.7
28.2
3-Year EBITDA Growth Rate 20.10
HFWA's 3-Year EBITDA Growth Rate is ranked higher than
80% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. HFWA: 20.10 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
HFWA' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -60.5  Med: 10.9 Max: 113.2
Current: 20.1
-60.5
113.2
3-Year EPS without NRI Growth Rate 28.70
HFWA's 3-Year EPS without NRI Growth Rate is ranked higher than
85% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. HFWA: 28.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
HFWA' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -23.3  Med: 11.85 Max: 37.3
Current: 28.7
-23.3
37.3
GuruFocus has detected 1 Warning Sign with Heritage Financial Corp $HFWA.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» HFWA's 10-Y Financials

Financials (Next Earnings Date: 2017-04-26 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

HFWA Guru Trades in Q1 2016

Jim Simons 178,100 sh (+20.58%)
NWQ Managers 1,956,041 sh (+10.18%)
» More
Q2 2016

HFWA Guru Trades in Q2 2016

NWQ Managers 1,948,471 sh (-0.39%)
Jim Simons 150,100 sh (-15.72%)
» More
Q3 2016

HFWA Guru Trades in Q3 2016

NWQ Managers 1,971,525 sh (+1.18%)
Jim Simons 137,100 sh (-8.66%)
» More
Q4 2016

HFWA Guru Trades in Q4 2016

NWQ Managers 1,912,595 sh (-2.99%)
Jim Simons 128,600 sh (-6.20%)
» More
» Details

Insider Trades

Latest Guru Trades with HFWA

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522120    SIC: 6036
Compare:NAS:UVSP, NAS:GSBC, NAS:GABC, NAS:CUNB, NAS:PFBC, NAS:BDGE, OTCPK:RBCAB, NAS:COBZ, NAS:GBNK, NAS:CNOB, NAS:TSC, NAS:BMTC, NAS:SGBK, NAS:OPB, NAS:CAC, NAS:TRST, NYSE:FBK, NAS:FLIC, NAS:GNBC, NAS:MSFG » details
Heritage Financial Corp is a bank holding company engaged in the business of planning, directing, and coordinating the business activities of its wholly owned subsidiary: - Heritage Bank.

Heritage Financial Corp is a bank holding company that was incorporated in the State of Washington in August 1997. The Company is primarily engaged in the business of planning, directing, and coordinating the business activities of its wholly owned subsidiary Heritage Bank. The deposits of the Bank are insured by the FDIC. Heritage Bank conducts business in its thirty-five branch offices located in Washington and the greater Portland, Oregon area. Its business consists primarily of lending and deposit relationships with small businesses and their owners, and attracting deposits from the general public. It also makes real estate construction and land development loans, one-to-four family residential loans, and consumer loans. It offers deposit accounts designed to attract both short-term and long-term deposits. These accounts include noninterest demand accounts, negotiable order of withdrawal accounts, money market accounts, savings accounts and certificates of deposit. The Company is subject to extensive Federal and Washington State legislation, regulation, and supervision. The Company competes for loans and deposits with other commercial banks, credit unions, mortgage bankers, and other institutions in the scope and type of services offered, interest rates paid on deposits, pricing of loans, and number and locations of branches, among other things.

Ratios

vs
industry
vs
history
PE Ratio 18.94
HFWA's PE Ratio is ranked lower than
70% of the 1941 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. HFWA: 18.94 )
Ranked among companies with meaningful PE Ratio only.
HFWA' s PE Ratio Range Over the Past 10 Years
Min: 8.04  Med: 16.53 Max: 261
Current: 18.94
8.04
261
Forward PE Ratio 17.95
HFWA's Forward PE Ratio is ranked lower than
77% of the 526 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.33 vs. HFWA: 17.95 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 18.94
HFWA's PE Ratio without NRI is ranked lower than
67% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. HFWA: 18.94 )
Ranked among companies with meaningful PE Ratio without NRI only.
HFWA' s PE Ratio without NRI Range Over the Past 10 Years
Min: 8.04  Med: 16.53 Max: 261
Current: 18.94
8.04
261
Price-to-Owner-Earnings 14.28
HFWA's Price-to-Owner-Earnings is ranked higher than
54% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.04 vs. HFWA: 14.28 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
HFWA' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 6.11  Med: 12.19 Max: 417.57
Current: 14.28
6.11
417.57
PB Ratio 1.50
HFWA's PB Ratio is ranked lower than
67% of the 1810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. HFWA: 1.50 )
Ranked among companies with meaningful PB Ratio only.
HFWA' s PB Ratio Range Over the Past 10 Years
Min: 0.71  Med: 1.13 Max: 2.68
Current: 1.5
0.71
2.68
PS Ratio 4.45
HFWA's PS Ratio is ranked lower than
67% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.32 vs. HFWA: 4.45 )
Ranked among companies with meaningful PS Ratio only.
HFWA' s PS Ratio Range Over the Past 10 Years
Min: 1.3  Med: 3.05 Max: 6.01
Current: 4.45
1.3
6.01
Price-to-Free-Cash-Flow 15.45
HFWA's Price-to-Free-Cash-Flow is ranked lower than
61% of the 1008 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. HFWA: 15.45 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
HFWA' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 4.92  Med: 10.27 Max: 24.4
Current: 15.45
4.92
24.4
Price-to-Operating-Cash-Flow 13.53
HFWA's Price-to-Operating-Cash-Flow is ranked lower than
61% of the 1096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. HFWA: 13.53 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
HFWA' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.24  Med: 9.21 Max: 15.51
Current: 13.53
4.24
15.51
EV-to-EBIT 13.94
HFWA's EV-to-EBIT is ranked lower than
59% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.64 vs. HFWA: 13.94 )
Ranked among companies with meaningful EV-to-EBIT only.
HFWA' s EV-to-EBIT Range Over the Past 10 Years
Min: -1.6  Med: 8.8 Max: 411.4
Current: 13.94
-1.6
411.4
EV-to-EBITDA 10.98
HFWA's EV-to-EBITDA is ranked lower than
52% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.00 vs. HFWA: 10.98 )
Ranked among companies with meaningful EV-to-EBITDA only.
HFWA' s EV-to-EBITDA Range Over the Past 10 Years
Min: -186.4  Med: 6.6 Max: 24.8
Current: 10.98
-186.4
24.8
PEG Ratio 0.84
HFWA's PEG Ratio is ranked higher than
69% of the 780 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. HFWA: 0.84 )
Ranked among companies with meaningful PEG Ratio only.
HFWA' s PEG Ratio Range Over the Past 10 Years
Min: 0.5  Med: 1.56 Max: 16.78
Current: 0.84
0.5
16.78
Shiller PE Ratio 25.76
HFWA's Shiller PE Ratio is ranked lower than
59% of the 496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.63 vs. HFWA: 25.76 )
Ranked among companies with meaningful Shiller PE Ratio only.
HFWA' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.42  Med: 12.08 Max: 27.5
Current: 25.76
7.42
27.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.95
HFWA's Dividend Yield % is ranked lower than
64% of the 2303 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. HFWA: 1.95 )
Ranked among companies with meaningful Dividend Yield % only.
HFWA' s Dividend Yield % Range Over the Past 10 Years
Min: 0.23  Med: 2.21 Max: 7.47
Current: 1.95
0.23
7.47
Dividend Payout Ratio 0.36
HFWA's Dividend Payout Ratio is ranked lower than
56% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. HFWA: 0.36 )
Ranked among companies with meaningful Dividend Payout Ratio only.
HFWA' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.31  Med: 0.39 Max: 0.83
Current: 0.36
0.31
0.83
3-Year Dividend Growth Rate 13.70
HFWA's 3-Year Dividend Growth Rate is ranked higher than
67% of the 772 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. HFWA: 13.70 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
HFWA' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 14.2 Max: 73.5
Current: 13.7
0
73.5
Forward Dividend Yield % 1.99
HFWA's Forward Dividend Yield % is ranked lower than
70% of the 2274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. HFWA: 1.99 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 5.89
HFWA's 5-Year Yield-on-Cost % is ranked higher than
78% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.27 vs. HFWA: 5.89 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
HFWA' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.68  Med: 6.51 Max: 21.99
Current: 5.89
0.68
21.99
3-Year Average Share Buyback Ratio -22.70
HFWA's 3-Year Average Share Buyback Ratio is ranked lower than
91% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. HFWA: -22.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
HFWA' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -32.9  Med: -2.15 Max: 12.1
Current: -22.7
-32.9
12.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.07
HFWA's Price-to-Tangible-Book is ranked lower than
78% of the 1798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. HFWA: 2.07 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
HFWA' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.99  Med: 1.64 Max: 2.57
Current: 2.07
0.99
2.57
Price-to-Intrinsic-Value-Projected-FCF 0.85
HFWA's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
50% of the 1104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. HFWA: 0.85 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
HFWA' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.37  Med: 0.77 Max: 1.09
Current: 0.85
0.37
1.09
Price-to-Median-PS-Value 1.46
HFWA's Price-to-Median-PS-Value is ranked lower than
72% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. HFWA: 1.46 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
HFWA' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.57  Med: 1.11 Max: 2.39
Current: 1.46
0.57
2.39
Price-to-Peter-Lynch-Fair-Value 1.11
HFWA's Price-to-Peter-Lynch-Fair-Value is ranked higher than
55% of the 533 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. HFWA: 1.11 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
HFWA' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.57  Med: 1.14 Max: 2.39
Current: 1.11
0.57
2.39
Price-to-Graham-Number 1.32
HFWA's Price-to-Graham-Number is ranked lower than
74% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. HFWA: 1.32 )
Ranked among companies with meaningful Price-to-Graham-Number only.
HFWA' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.79  Med: 1.12 Max: 1.65
Current: 1.32
0.79
1.65
Earnings Yield (Greenblatt) % 7.18
HFWA's Earnings Yield (Greenblatt) % is ranked higher than
55% of the 2086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.41 vs. HFWA: 7.18 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
HFWA' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.2  Med: 11.3 Max: 3249.6
Current: 7.18
0.2
3249.6
Forward Rate of Return (Yacktman) % 24.17
HFWA's Forward Rate of Return (Yacktman) % is ranked higher than
77% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. HFWA: 24.17 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
HFWA' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -28.6  Med: 14.9 Max: 65
Current: 24.17
-28.6
65

More Statistics

Revenue (TTM) (Mil) $164.1
EPS (TTM) $ 1.30
Beta0.46
Short Percentage of Float0.51%
52-Week Range $16.40 - 26.98
Shares Outstanding (Mil)29.96

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 169 178
EPS ($) 1.35 1.46
EPS without NRI ($) 1.35 1.46
EPS Growth Rate
(Future 3Y To 5Y Estimate)
10.00%
Dividends per Share ($) 0.48 0.50
» More Articles for HFWA

Headlines

Articles On GuruFocus.com
NWQ Managers Makes 10 New Buys in 3rd Quarter Dec 16 2015 
Heritage Financial Corp. Reports Operating Results (10-K) Mar 04 2011 
Heritage Financial Corp. Reports Operating Results (10-Q) Nov 08 2010 
Heritage Financial Corp. Reports Operating Results (10-Q) Aug 03 2010 
Heritage Financial Corp. Reports Operating Results (10-Q) May 04 2010 
Heritage Financial Corp. (HFWA) Chairman Donald V Rhodes sells 5,000 Shares Feb 25 2010 
Heritage Financial Corp. (HFWA) Chairman Donald V Rhodes sells 3,000 Shares Feb 18 2010 
Heritage Financial Corp. (HFWA) Chairman Donald V Rhodes sells 17,000 Shares Feb 12 2010 
Heritage Financial Corp. Reports Operating Results (10-Q) May 11 2009 

More From Other Websites
Heritage Financial Announces Earnings Release Date and Conference Call Mar 28 2017
HERITAGE FINANCIAL CORP /WA/ Financials Mar 15 2017
HERITAGE FINANCIAL CORP /WA/ Files SEC form 10-K, Annual Report Mar 09 2017
Heritage Financial Corp. (Washington) breached its 50 day moving average in a Bearish Manner :... Feb 03 2017
ETFs with exposure to Heritage Financial Corp. (Washington) : February 2, 2017 Feb 02 2017
HERITAGE FINANCIAL CORP /WA/ Files SEC form 8-K, Regulation FD Disclosure, Other Events, Financial... Feb 01 2017
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Edited Transcript of HFWA earnings conference call or presentation 26-Jan-17 7:00pm GMT Jan 26 2017
HERITAGE FINANCIAL CORP /WA/ Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 26 2017
Heritage Financial Announces Fourth Quarter And Annual 2016 Results And Declares Regular Cash... Jan 26 2017
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Heritage Financial Announces Earnings Release Date and Conference Call Jan 06 2017
Heritage Financial Corp. (Washington) : HFWA-US: Dividend Analysis : November 08th, 2016 (record... Jan 06 2017
HERITAGE FINANCIAL CORP /WA/ Files SEC form 8-K, Change in Directors or Principal Officers,... Dec 22 2016
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ETFs with exposure to Heritage Financial Corp. (Washington) : December 9, 2016 Dec 09 2016
HERITAGE FINANCIAL CORP /WA/ Files SEC form 10-Q, Quarterly Report Nov 08 2016

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